Sun Critical Elite

Coverage for 46 Critical Illnesses

• Receive financial protection upon diagnosis of any of the 46 covered critical illnesses. If the person covered is diagnosed with a covered critical illness (except Angioplasty and Other Invasive Treatments for Coronary Artery Disease), the higher of the following will be payable:
• The sum covered for Critical Illness Benefit; or
• 110% of the total contribution paid less total loyalty benefit paid as at the date of diagnosis of critical illness

Genomic Testing Benefit

• For contracts with a sum covered of RM1,000,000 and above, an additional RM20,000 will be payable upon approval of a cancer claim

Loyalty Benefit

• Enjoy loyalty payouts throughout your coverage term, provided that your contracts remains in force and contributions are paid up to date:
  • For the 20-year plan, 50% of the annualised takaful contribution is payable at the end of every 2 contract years
  • For the 30-year plan, 75% of the annualised takaful contribution is payable at the end of every 3 contract years

Expert Medical Opinion and Case Management Service

• Get additional support when it matters most:
  • Independent Expert Medical Opinion from a global network of 53,000+ medical experts to help validate your diagnosis and treatment options.
  • Personalized Doctor Matching to connect you with suitable specialists for your medical condition.
  • Dedicated Physician Case Manager providing guidance and coordination throughout your healthcare journey.
  • Patient Advocacy Support to help you navigate treatment decisions with greater confidence and clarity

Compassionate Benefit

• In the event of death of the person covered, the following benefit will be payable:
  • 10% of the sum covered for Critical Illness Benefit; or
  • 100% of the value of the Participant’s Account.
• Additional Accidental Death Benefit
  • Upon accidental death of the person covered, an additional 10% of the sum covered will be payable, subject to the terms and conditions of the certificate

Final Benefit

At the end of the contract term, the value of the Participant's Account, less any indebtedness, will be payable.